Jefferson County Ohio USDA Mortgage

What areas of Jefferson County, Ohio are eligible for the Rural Development USDA Mortgage Program?

A swath of land from Steubenville extending west to Wintersville is classified by the USDA census statistics as too populated is mapped as USDA Ineligible. This area more or less follows Route 22 with most of the Ineligible area lying south of Route 22. Outside of this area, the rest of Jefferson County, Ohio is geographically eligible for the No Down Payment USDA Mortgage Program.

Some of the larger towns of Jefferson County, Ohio that are eligible for the Rural Development USDA Mortgage Program include Toronto, Mingo Junction, Bloomingdale,and Rayland.

USDA Eligible Areas in Jefferson County Ohio

 

Eligible Cities & Towns

  • Adena

  • Amsterdam

  • Bergholz

  • Bloomingdale

  • Brilliant

  • Connorville

  • Dillonvale

  • East Springfield

  • Empire

  • Irondale

  • Mingo Junction

  • Mount Pleasant

  • New Alexandria

  • Pottery Addition

  • Rayland

  • Richmond

  • Smithfield

  • Stratton

  • Tiltonsville

  • Toronto

  • Yorkville

  • all other rural areas

 

Note: This list is an indicator of USDA Eligible Areas for Jefferson County, Ohio but does not necessarily include every possible eligible area. If you live in a rural area of Jefferson County, Ohio then you are located in a USDA eligible area for a Rural Development - No Down Payment - USDA mortgage.

Jefferson County, Ohio USDA Household Income Limits 

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If it appears your household income is too high, you may still qualify. The Ohio USDA Program allows for several deductions of expenses which may help your Household Income to fit within their Maximum Adjusted Income Guidelines.   

Deductions that lower your calculated USDA Household Income

 

  • $480 for every minor child residing in the household

  • $480 for every student living in the home who is not on the mortgage application

  • $400 for every disabled member of the household who is listed on the mortgage application

  • Documented Child Care Expenses for household members ages 12 and under

  • Documented Disability and Medical Expenses for members of the household aged 62 or older. This deduction is allowed only if this expense is more than 3% of the household income)